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Life Insurance

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Life insurance is a contract between an insurance policy holder and an insurance company. In exchange for a premium, the insurance company offers to pay a certain amount of money when the insured person dies or after a certain amount of time. This Life Cover protects the future of your loved ones by giving out a lump sum if something bad happens. At the end of the insurance term, you may get a payment called the Maturity Benefit.

You Can Meet Your Financial Goals with The Help of Life Insurance-

The best life insurance policy helps a person reach the following goals:

The Significance of Life Insurance

Life insurance can help you and your loved ones in many ways, such as the following:

When you buy a life insurance policy, you pay a premium to the insurance company in exchange for giving your children financial security in case of your death. Beneficiaries can use the money from a life insurance policy as a replacement for lost salary to pay for day-to-day costs.

Some life insurance plans let you spend your money and make it grow. This lets you keep your money in good shape for your future needs. The money you get from life insurance can be good.

Life insurance policies offer numerous tax advantages. The premiums paid towards a life insurance policy are tax-deductible up to 1.5 lakh per year under Section 80Cof The Income Tax Act, 1961, and the maturity benefits are tax-free pursuant to the provisions of Section 10(10D) When the annual investment less than or equal to 5 lakhs.

Different Categories of Life Insurance

Life insurance can help you and your loved ones in many ways, such as the following:

Term Insurance Plans

If something were to happen to you, term insurance safeguards the financial future of your family. A term plan, created as an easy and economical approach to provide financial protection, is an essential component of financial planning for the family's main earner.

ULIPs – Unit Linked Insurance Plans

A ULIP allows you to invest your money in many fund options based on your risk tolerance. ULIPs have a 5-year lock-in term and can be invested in debt funds, equity funds, hybrid funds, and so on. Debt funds are a fantastic option if you want something that is more secure. However, if you are willing to take on greater risk, hybrid funds and equity funds may provide better returns.

Protection Plan

You work hard to make sure your family is comfortable, happy, and safe, and you want to know that their future is always safe. Protection plans give your family full insurance coverage to protect their future and make sure they can live easily without worrying about money, even if you die.

Term Insurance Riders

Riders are extra terms that you can choose to add to your basic insurance, and they often cost extra. Simply put, a rider gives you more safety and coverage against risks. Insurance riders are useful extras that you can add to your life insurance policy for a low cost.
Top Life Insurance Products

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HDFC Life Insurance

  • Age Limit: 18 years to 65 years
  • Minimum Sum Assured – 50 K
  • Maximum Sum Assured – According to Policy
  • Mode of Premium – Single, Yearly, Half-Yearly and Monthly.


ICICI Prudential Life Insurance

ICICI Pru Life Insurance

  • Age Limit: 18 years to 60 years
  • Minimum Premium: Rs. 2,400 per Year
  • Accidental Death Benefit: Minimum: Rs 1,00,000
  • Maximum: According to the company's guidelines
  • Mode of Premium - Single, Yearly, Half-Yearly and Monthly

SBI Life Insurance

  • Age Limit: 18 years to 60 years
  • Basic Sum Assured - Minimum Rs 25,00,000
  • Mode of Premium - Single, Yearly, Half-Yearly and Monthly
  • Policy Term- Min 5 years and Max 80 years less Age at Entry.
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You should never purchase a Life Insurance Product without consulting your life insurance advisor. since doing so puts you in danger of having inadequate coverage, excessive coverage, or an inappropriate policy in your kitty. Get in touch with Swaraj Finpro Private Limited , the sole company to contact if you want your life insurance planning to be done perfect.


The Benefits of Joining with Swaraj Finpro Private Limited!


If you know what life insurance means, you know that a life insurance plan may not seem important, but it is a smart choice in these uncertain times. It protects your family financially if you die too soon. Not only that, but the definition of life insurance also includes other perks, such as not having to pay taxes on the premiums.

Yes. According to the standard definition of life insurance, the policyholder makes periodic premium payments to the insurance company. Under Section 80C of the Income Tax Act, 1961, you can claim a tax deduction of up to Rs.1.5 lakh for the cost of your life insurance premium. Tax breaks may be altered in accordance with the most recent tax laws.

In India, you can get the following kinds of life insurance policies:

Term Life Insurance Plans, Unit linked insurance plan (ULIP),

Endowment Plan, Money-Back, Whole Life Insurance,

Child's Plan, Retirement Plan.

You can designate more than one induvial for your coverage as a policyholder. The pay-out amount is nonetheless equally divided among the nominees as a result, and each receives their corresponding part in a legitimate manner.

You can choose between a one-time premium payment (annually) and ongoing premium payments (monthly/quarterly/semi-annually).